Cheapest home insurance carriers in Dallas-Fort Worth
Estimated annual premiums for a standard policy (~$300k dwelling, $1,000 deductible), ranked cheapest first — Dallas-Fort Worth averages about $3,566/yr (median of the carriers below: $3,224/yr). Enter your ZIP for a ranking tuned to your home.
| # | Carrier | Est. annual | vs median |
|---|---|---|---|
| 1 | Mercury Insurance | $2,407/yr | Save $817 |
| 2 | USAA | $2,670/yr | Save $554 |
| 3 | State Farm | $2,767/yr | Save $457 |
| 4 | Texas Farm Bureau | $2,782/yr | Save $442 |
| 5 | Amica Mutual | $3,190/yr | Save $34 |
| 6 | Nationwide | $3,258/yr | +$34 |
| 7 | Progressive | $3,560/yr | +$336 |
| 8 | Travelers | $3,654/yr | +$430 |
| 9 | The Hartford | $3,894/yr | +$670 |
| 10 | Safeco | $3,931/yr | +$707 |
Why home insurance costs what it does in Dallas-Fort Worth
Dallas-Fort Worth-area home insurance is priced mainly around hail and severe storms. Dallas-Fort Worth sits in one of the most hail-prone corridors in the country; frequent severe hail and wind storms keep premiums above the national average.
The metro average hides your ZIP. A single carrier can price neighboring ZIPs very differently — coastal, wildfire, or older-home areas load high while lower-risk pockets pay less. This page is a Dallas-Fort Worth-level estimate; compare carriers for your exact ZIP to see where you land, and see why your rate can jump even when your carrier’s filing looks flat.
See all Texas home rates & carriers → · Who’s raising & cutting Texas home rates →
Directional estimates from public rate filings and NAIC data — not a quote. Metro figures apply a modeled Dallas-Fort Worth offset to the Texas average; your actual rate depends on dwelling amount, deductible, roof age, claims history, and exact ZIP.